SME Funding UK Limited

Reference number: 772970

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When smefunding.uk first appeared online, and whether it can receive email
  • What kind of line 01223 848844 is, and the other firm that gives it
  • Who else gives the postcode CB24 5JT
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • Audley-Charles Photography Trading name
  • HGV finance Trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (8 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
10410655
Company status
Active
Company type
Private limited company
Incorporated
5 October 2016 (10 years old)
Registered office
Salisbury House, London, EC2M 5SQ, United Kingdom
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Henry Edward Audley-Charles Director Jul 1970 5 Oct 2016 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

−£24.4k

−662% from £4,341

Employees (average)

1

Same as 1

Owed within a year

£36.9k

+77% from £20.9k

Net assets are negative: on its last balance sheet the company owed £24.4k more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 10410655. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

SME Funding UK’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2017

31 May 2017

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2016

5 October 2016

  • Incorporated at Companies House
  • Henry Edward Audley-Charles took control (75–100% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms connected to SME Funding UK

Other FCA-listed firms that share a director, phone number or address with SME Funding UK. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like SME Funding UK

Other firms of the same type (mortgage adviser or broker), nearest first.

In Cambridge

CheffinsCambridgeAuthorisedAntony BlowerCambridgeAuthorisedIdealistic Mortgage Services LtdCambridgeAuthorisedMichael Anthony HueCambridgeAuthorisedMpi Services (Saffron Walden) LimitedCambridgeAuthorisedSecure Consultants (Cambridge) LtdCambridgeAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on SME Funding UK

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 8 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is SME Funding UK Limited FCA authorised?
Yes, SME Funding UK Limited (FRN 772970) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2017 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is SME Funding UK’s phone number and website?
The FCA register lists the phone number 01223 848844 and the website smefunding.uk for SME Funding UK. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is SME Funding UK a scam or clone?
SME Funding UK is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with SME Funding UK?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about SME Funding UK to the Financial Ombudsman Service, free of charge.
Who owns SME Funding UK?
Companies House lists one person with significant control of SME Funding UK: Mr Henry Edward Audley-Charles (75–100% of shares).
Who runs SME Funding UK?
Companies House lists one director of SME Funding UK: Henry Edward Audley-Charles.
How long has SME Funding UK been in business?
The company was formed on 5 October 2016, and has held its current FCA authorisation since May 2017.
What do SME Funding UK’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of −£24.4k (−662% from £4,341).
Does SME Funding UK use any other names?
It trades as Audley-Charles Photography and HGV finance.

Sources and links

The full report on SME Funding UK Limited

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